Determine the annual equivalent amount over 4 years for the following cash flow (CF) pattern. The nominal interest rate is 9%, and it is compounded monthly. (EOY = end of year) . EOY O, CF = -$10,000 EOY 1, CF = $0 EOY 2, CF = $1,000 EOY 3, CF = $8,500 EOY 4, CF = $4,000